PNB Personal Loan of 50000

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A personal loan of ₹50,000 from Punjab National Bank is meant for small, short-term requirements. It suits borrowers who prefer a structured loan from a public sector bank, with clear terms and steady repayments. The loan is often used for planned household expenses, short-term financial gaps, or modest upgrades, with borrowing kept to a minimum.

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CONSENT IN RELATION TO ACCESS TO CREDIT INFORMATION THROUGH Equifax

End-user (customer)hereby consents to Loantap financial technology being appointed as your authorized representative to receive your Credit Information from Equifax on an ongoing basis until the purpose of Credit Risk Assessment. is satisfied or the expiry of 6 months from the date the consent is collected; whichever is earlier.

This End User Agreement (the “Agreement” ) is made between you (the “User” or “You” ) and Urban Money Private Limited hereinafter referred to as “URBAN MONEY ”, a private limited company having its registered office at 1st Floor, Tower A, M3M Urbana Business Park, Sector 67, near M3M Urbana, Gurugram, Haryana 122001. (“Urban Money ”, “Us” or “We”, which term shall include its successors and permitted assigns). The User and URBAN MONEY shall be collectively referred to as the “Parties” and individually as a “Party”.

Table of Content

1. What is a PNB Personal Loan of 50,000?

2. What are the Features of the PNB 50,000 Personal Loan?

3. Who Can Apply for a 50,000 PNB Personal Loan?

4. What are the Documents Required for a 50,000 PNB Personal Loan?

5. What are the Interest Rate and Charges for a 50,000 PNB Personal Loan

  • 5.1 Other Charges

    • 6. What is the Repayment Tenure and EMI Structure of a 50,000 PNB Personal Loan?

    7. How Much is the EMI for a 50,000 PNB Personal Loan?

    8. What are the Repayment Methods Available for a 50,000 PNB Personal Loan?

    9. How to apply for a PNB personal loan of 50,000

    10. Alternatives to a PNB 50,000 Personal Loan

    Read more
    Written By
    Abigail Simmons
    Abigail Simmons
    Driven by a curiosity for how everyday decisions shape our financial journeys, Abigail turns complex money matters into clear, engaging stories. She helps readers understand financial trends, whether it’s credit, loans, or smart money habits. When she is not decoding RBI updates or tracking industry shifts, she’ll be comparing savings hacks or just taking a long walk.
    Reviewed By
    Amit Prakash Singh
    Amit Prakash Singh
    Co-Founder, Square Yards & Chief Business Officer, Urban Money
    Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

    Last Updated: 1 February 2026

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    What is a PNB Personal Loan of ₹50,000?

    This is an unsecured personal loan offered by PNB. No collateral is required. Approval is based on income stability, employment type, and repayment capacity. EMIs are predictable across the repayment period. The PNB personal loan of ₹50,000 is intended for medical expenses, education costs, travel, or other planned household requirements, as permitted under PNB personal loan schemes.

    What are the Features of the PNB ₹50,000 Personal Loan?

    PNB’s ₹50,000 personal loan offers competitive interest rates and quick disbursal, making it suitable for borrowers seeking flexible financing.

    Particular Details
    Loan amount ₹50,000 and above (based on income and repayment capacity)
    Interest rate 10.25% p.a. onwards
    Repayment tenure Up to 72 months
    Processing fee 1.80% of the loan amount (excluding GST)
    Disbursal Quick processing and release

    Who Can Apply for a ₹50,000 PNB Personal Loan?

    Eligibility for a ₹50,000 PNB personal loan depends largely on employment stability.

    • Salaried Applicants : Permanent employees of Central or State Government departments, PSUs, and eligible institutions may apply, subject to salary credit and service conditions specified by PNB.
    • Eligible Professionals : Certain self-employed professionals may apply under PNB’s professional personal loan schemes, provided their income stability and credit profile meet the bank’s criteria.

    Useful Tip: Check your loan eligibility with the help of personal loan eligibility calculator.

    What are the Documents Required for a ₹50,000 PNB Personal Loan?

    The documentation for a PNB personal loan of ₹50,000 is basic and standard.

    Document Type Accepted Documents
    Identity & Age Proof Aadhaar card, Voter ID, Passport, Birth certificate, School leaving certificate
    Address Proof Utility bills, Ration card, Passport
    Income Proof (Salaried) Recent salary slips and Form 16
    Income Proof (Self-Employed) Income tax returns from previous years

    What are the Interest Rate and Charges for a ₹50,000 PNB Personal Loan

    PNB follows a transparent pricing structure for personal loans.

    Interest Rate – 10.25% per annum onwards (scheme- and profile-dependent)

    Other Charges

    Charge Type Details
    Processing fee 1.80% of the loan amount (excluding GST)
    Prepayment charges Nil (for applicable schemes)
    Penal interest Usually 2% above the applicable rate
    Transaction charges Based on the mode and transaction amount

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    What is the Repayment Tenure and EMI Structure of a ₹50,000 PNB Personal Loan?

    The loan offers a longer tenure than most small-ticket personal loans. Repayment can extend up to 72 months, depending on the borrower’s profile and applicable scheme. This helps keep monthly instalments manageable, especially for salaried borrowers seeking steady repayment schedules.

    How Much is the EMI for a ₹50,000 PNB Personal Loan?

    At an interest rate of 10.25% per annum, EMIs vary by tenure.

    Tenure EMI (₹) Total Interest (₹) Total Payable (₹)
    1 year 4,402 2,819 52,819
    2 years 2,313 5,512 55,512
    3 years 1,619 8,292 58,292
    4 years 1,274 11,159 61,159
    5 years 1,069 14,111 64,111

    Figures are indicative and depend on final approval terms and applicable scheme limits.

    What are the Repayment Methods Available for a ₹50,000 PNB Personal Loan?

    PNB offers multiple repayment channels to suit different preferences.

    • Electronic Clearing Service (ECS) from any bank account
    • Standing instructions for PNB account holders
    • Post-dated cheques submitted in advance
    • Online and mobile banking payments

    Each method supports timely and consistent EMI payments.

    How to apply for a PNB personal loan of ₹50,000

    Applicants can apply for a ₹50,000 PNB personal loan on the Urban Money website.

    • Visit the Urban Money website and navigate to the Personal Loan section
    • Enter basic details to check eligibility
    • Select PNB as the preferred lender and proceed with the application
    • Complete verification using OTP authentication
    • Wait for your Urban Money loan expert to contact you

    Get a Rs. 50,000 Personal Loan in Minutes

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    Alternatives to a PNB ₹50,000 Personal Loan

    In some cases, other funding options may be considered.

    • Gold Loans: Loans secured against gold, often available at lower interest rates.
    • Loan Against Fixed Deposit: Allows borrowing without breaking an existing FD.
    • Credit Card Cash Withdrawal: Provides instant funds but typically incurs higher fees.

    Frequently Asked Question (FAQs)

    Can I get a ₹50,000 personal loan from PNB?

    Yes, you can get a personal loan of ₹50,000 from PNB if you meet their eligibility criteria, which generally include being a salaried, self-employed individual, doctor, or pensioner with a stable income.

    What interest rates apply to small personal loans from PNB?

    Interest rates start at 10.25% per annum, depending on the borrower’s profile and applicable scheme.

    What will the EMI be for this loan amount?

    EMI depends on the selected tenure and applicable interest rate; longer tenures result in lower monthly instalments but higher total interest outgo. At an interest rate of 10.25% p.a., a ₹50,000 personal loan repaid over 1 year has an EMI of approximately ₹4,402. For the same loan repaid over 5 years, the EMI reduces to around ₹1,069, clearly reflecting the impact of a longer repayment tenure.

    Are there any additional or hidden charges?

    PNB follows a transparent fee structure, with disclosed charges such as processing fees and no prepayment penalties under applicable schemes.

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